Religious

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Charity First is proud to serve the religious sector with a package policy tailored exclusively for denominational/non-denominational churches, synagogues, temples and more. With our sole focus on creating and managing insurance programs for religious organizations, we are uniquely positioned to understand and meet the needs of your religious institutions.

Features & Details

  •    Package
  •    Directors & Officers
  •    CYBER
  •    Applications
  • Property
  • General Liability
  • Inland Marine
  • Automobile
  • Crime
  • Umbrella
  • Appetite
  • Applications/Supplemental
  • Submissions
  • International Coverage

Property Coverage 

Coverage highlights include:

High limits for Property and Personal Property 

Exclusive Property Enhancements Include:

  • Accounts Receivable
  • Business Income and Extra Expense
  • Business Electronic Systems and Telecommunications
  • Fine Arts
  • Fire Department Service Charge
  • Property of Others, including Building Glass (if required in a lease)
  • Valuable Papers and Records

Subject to $250,000 Occu/$250,000 Agg

Other coverage options available include the following:

  • Agreed Value
  • Replacement Cost
  • Functional Replacement Cost
  • Food Spoilage
  • Building Ordinance or Law Business Income

General Liability Coverage

  • Limits available up to $1Million/$3Million
  • Bodily Injury and Property Damage Coverage
  • Medical Payments Coverage
  • Advertising Injury and Personal Injury Coverage
  • General Liability Broadening Endorsement
  • Abuse/Molestation can be provided as part of the General Liability policy
  • Pastor Professional Liability Coverage is available in conjunction with General Liability
  • Special Events Coverage

Inland Marine Coverage

  • Account Receivables
  • Computer Equipment
  • Musical Instruments
  • Signs
  • Theatrical Property
  • Valuable Papers

Automobile coverage

  • Client Transportation (including 15-passenger vans)
  • Liability Limits up to $1,000,000
  • Commercial Automobile Plus broadening endorsement
  • Hired and Non-owned automobile coverage
  • Coverage for volunteers as insureds
  • Coverage for employees as insureds
  • Automatic Additional Insured

Crime coverage

  • Employee Dishonesty
  • Forgery of Alteration
  • Theft, Disappearance, and Destruction
  • Money and Securities, Inside and Outside

Umbrella & Excess Coverage

  • Limits up to $15,000,000 available (including Professional and Abuse or Molestation)
  • Automatic coverage for new entities
  • Broad Insured definition
  • “Duty to Defend” any lawsuit and investigate any claims for coverages provided by our policy
  • “Pay on behalf of” protection
  • Defense Costs are in addition to limits
  • Separate limits for:
    • Each Occurrence
    • Products Completed
    • Operations Aggregate
    • General Aggregate
  • Follow form application limits
  • Broad definitions of bodily injury and personal injury
  • Worldwide protection

Appetite

  • Bible/Divinity Schools
  • Churches
  • Convents
  • Monasteries
  • Religious, Parochial Schools
  • Retreat Houses
  • Seminaries
  • Shrines
  • Synagogues
  • Temples

Submission Requirements are as follows

  • ACORD Applications
  • Supplemental Applications – as applicable to each account
  • Narrative description of operations
  • 5-Year currently valued loss runs
  • If available: the website address and/or the organization's brochures

Please send submissions to cfsubmissions@charityfirst.com

International Coverage 

What is International Insurance?

Coverage designed to protect your organization and employees / volunteers while traveling or working outside of the country.

General Liability 

Provides coverage for third party bodily injury or property damage resulting from your operations. Pays for things like defense cost, expenses, and damages you are legally obligated to pay.

Product Liability

Provides coverage for third party bodily injury or property damage caused by your products. Responds to suits brought anywhere in the world for losses that occur outside the U.S.

Commercial Automobile Liability

Contingent coverage for owned, non-owned, leased, or hired automobile accidents while using, hiring or maintaining vehicles abroad. Pays for things like third party claims, damage to a rented vehicle, or medical bills for injured passengers.

Employers Responsibility with Foreign Voluntary Compensation

Offers 24/7 protection for work-related injuries for U.S. employees traveling on business outside of the United States, subject to the applicability of any state workers compensation statutory requirements. Pays for items such as medical bills and lost wages necessary to make your employee whole.

Executive Assistance Services with Repatriation

Worldwide network of emergency response professionals available to respond 24 hours, 7 days a week, 365 days a year to any urgent medical or travel needs. Services document replacement.

Accident & Health

Medical benefits for injury or illness  sustained outside of the scope of work. Pays for things like emergency room visits, doctor’s appointments, and x-rays.

Kidnap & Extortion

Provides and pays the cost of emergency response services for a kidnap or extortion event. Reimburses for the payment of ransom or other expenses.

Political & Natural Disaster Evacuation

Get out of harm’s way before it arrives. Pays for the relocation and repatriation of employees in the event of a political or natural disaster.

Property

Broad, all-risk protection for physical operations outside the United States.

Business Income

Covers multiple sources of revenue, including royalties and rental income, and extra expense

  • Coverage
  • Appetite
  • Application (Online Rater)
  • Submission

D&O Coverage

  • Duty to Defend - our coverage gives your organization the ability to choose its own defense counsel, an allowance not common to the industry as a whole.
  • Defense Expenses - in addition to the limit of liability
  • All past, present and future directors, officers, trustees and employees are covered – volunteers, staff members, executive board members, and committee members are named as insureds.
  • Entity coverage - for the organization itself and non-profit subsidiaries is automatically included.
  • Free 90-day discovery period
  • Broad definition of claim
  • Broad Employment Practices Liability (EPL)

D&O Appetite

  • Bible/Divinity Schools
  • Churches
  • Convents
  • Monasteries
  • Religious, Parochial Schools
  • Retreat Houses
  • Seminaries
  • Shrines
  • Synagogues
  • Temples

 

This product is available for an instant indication and/or quote. Click on link to be redirected to obtain.  

Directors & Officers 

Directors & Officers (online rater)

Directors & officers (application)

 

Submission Requirements

  • ACORD Applications
  • Supplemental Applications – as applicable to each account
  • Narrative description of operations
  • 5-Year currently valued loss runs
  • If available: the website address and/or the organization's brochures

Please Send Submissions to cfsubmissions@charityfirst.com

  • Coverages
  • Appetite
  • Applications
  • Submission

 Cyber Coverage

Privacy Liability (including Employee Privacy)  

The Privacy Liability insuring agreement in our policy goes beyond providing liability protection for the Insured against the unauthorized release of Personally Identifiable Information (PII), Protected Health Information (PHI), and corporate confidential information like most popular “Data Breach” policies. Rather, our policy provides true “Privacy” protection in that the definition of Privacy Breach includes violations of any rights to privacy (e.g., person’s right of publicity or disclosure of private information). Because information lost in every data breach may not fit State or Federal-specific definitions of PII or PHI, our policy helps to fill these potentially costly gaps.

Security Breach Response Coverage  

This 1st Party coverage reimburses an Insured for costs incurred in the event of a security breach of personal, non-public information of their customers or employees.

Security Liability

The Security Liability insuring agreement provides coverage for the Insured for allegations of a “Security Wrongful Act”, 

Multimedia Liability  

Defamation, libel, slander, emotional distress, invasion of the right to privacy, copyright and other forms of intellectual property infringement (patent excluded) in the course of the Insured’s communication of Media content in electronic (website, social media, etc.) or non-electronic forms

 

Multimedia Liability  

Defamation, libel, slander, emotional distress, invasion of the right to privacy, copyright and other forms of intellectual property infringement (patent excluded) in the course of the Insured’s communication of Media content in electronic (website, social media, etc.) or non-electronic forms

Cyber Extortion

Expense and payments to a harmful third party to avert potential damage threatened against the Insured such as the introduction of malicious code, system interruption, data corruption or destruction or dissemination of personal or confidential corporate information.

Business Income and Digital Asset Restoration

The Business Income and Digital Asset Restoration insuring agreement provides for lost earnings and expenses incurred because of a security compromise that leads to the failure or disruption of a computer system, or, an authorized third-party’s inability to access a computer system. Restoration costs to restore or recreate digital (not hardware) assets to their pre-loss state are provided for as well.

The Payment Card Industry Data Security Standard (PCI-DSS)

Merchants and service providers must adhere to certain goals and requirements in order to be “PCI Compliant,” and under specific agreements, may subject an Insured to an “assessment” for breach of such terms.

 

Cyber Appetite

  • Car Dealership
  • Charities / Not for profit
  • Construction
  • Domestic Services
  • Education (colleges/universities)
  • Education (schools)
  • E-commerce
  • Financial Institutions
  • Gas Station
  • Golf Clubs
  • Government
  • Healthcare/Medical
  • Hotels / Hospitality
  • Insurance Broker/Company
  • Investment Advisor / CPA / Mortgage Broker
  • Legal Services - commercial consumer
  • Manufacturing
  • Pharmacy
  • Professional Services
  • Realtor
  • Restaurant
  • Retail
  • Sports clubs/gyms
  • Telecoms
  • Trade Associations / Unions
  • Utility
  • Veterinarian
  • Wholesale Distributor

Cyber Liability Application

Please send your submission to CFsubmissions@charityFirst.com

Available in most states, our program provides comprehensive insurance packages that address the various activities, challenges, and exposures of religious institutions.

From property coverage, like fine art and religious articles to liability insurance that covers clergy and staff, Charity First protects from property damage, injuries, accidents, and loss. Our excess insurance policy protects religious organizations in the event of catastrophic loss, with limits available up to $10 million.

Offer your clients a full range of coverages; Employment Practices Liability (EPLI), Directors & Officers (D&O), Accident Death & Dismemberment, Sexual Molestation & Abuse and more.... from a true leader in this type of insurance coverage.